PFSI PennyMac Financial Services Inc

  1. Stocks
  2. Financial Services
  3. NYSE: PFSI

Price (delayed)

$78.7

Market cap

$3.93B

P/E Ratio

17.49

Dividend/share

$0.8

EPS

$4.5

Enterprise value

$16.63B

PennyMac Financial Services, Inc. is a specialty financial services firm with a comprehensive mortgage platform and integrated business focused on the production and servicing of U.S. mortgage loans and the ...

Highlights
PFSI's equity is up by 2.7% from the previous quarter and by 2.6% YoY
The price to earnings (P/E) is 188% higher than the 5-year quarterly average of 6.0 and 57% higher than the last 4 quarters average of 11.0
The company's net income has shrunk by 64% YoY and by 16% QoQ
Sector: Financial Services
Industry: Mortgage Finance
Website: http://www.pennymacusa.com
Peers: WRLD SLM FMCC

Key stats

What are the main financial stats of PFSI
Market
Shares outstanding
49.93M
Market cap
$3.93B
Enterprise value
$16.63B
Valuations
Price to earnings (P/E)
17.49
Price to book (P/B)
1.1
Price to sales (P/S)
2.85
EV/EBIT
54.43
EV/EBITDA
44.64
EV/Sales
12.05
Earnings
Revenue
$1.38B
EBIT
$305.59M
EBITDA
$372.66M
Free cash flow
-$1.57B
Per share
EPS
$4.5
Free cash flow per share
-$31.37
Book value per share
$71.64
Revenue per share
$27.66
TBVPS
$379.73
Balance sheet
Total assets
$18.95B
Total liabilities
$15.38B
Debt
$13.88B
Equity
$3.57B
Working capital
N/A
Liquidity
Debt to equity
3.89
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
34.09
Margins
EBITDA margin
27%
Gross margin
94.4%
Net margin
15.9%
Operating margin
22.1%
Efficiency
Return on assets
1.2%
Return on equity
6.3%
Return on invested capital
1%
Return on capital employed
N/A
Return on sales
22.1%
Dividend
Dividend yield
1.02%
DPS
$0.8
Payout ratio
17.8%

PFSI stock price

How has the PennyMac Financial Services stock price performed over time
Intraday
1.17%
1 week
0.61%
1 month
13.11%
1 year
36.09%
YTD
38.9%
QTD
18.17%

Financial performance

How have PennyMac Financial Services's revenue and profit performed over time
Revenue
$1.38B
Gross profit
$1.3B
Operating income
$305.59M
Net income
$219.12M
Gross margin
94.4%
Net margin
15.9%
The company's net income has shrunk by 64% YoY and by 16% QoQ
PennyMac Financial Services's operating income has shrunk by 63% YoY and by 16% QoQ
PFSI's gross profit is down by 43% year-on-year and by 5% since the previous quarter
The revenue has decreased by 41% YoY and by 5% from the previous quarter

Growth

What is PennyMac Financial Services's growth rate over time

Valuation

What is PennyMac Financial Services stock price valuation
PFSI P/E details
P/E
17.49
P/B
1.1
P/S
2.85
EV/EBIT
54.43
EV/EBITDA
44.64
EV/Sales
12.05
The price to earnings (P/E) is 188% higher than the 5-year quarterly average of 6.0 and 57% higher than the last 4 quarters average of 11.0
PennyMac Financial Services's EPS has plunged by 60% YoY and by 14% from the previous quarter
The price to book (P/B) is 21% higher than the last 4 quarters average of 0.9
PFSI's equity is up by 2.7% from the previous quarter and by 2.6% YoY
PFSI's price to sales (P/S) is 101% higher than its 5-year quarterly average of 1.4 and 41% higher than its last 4 quarters average of 2.0
The revenue has decreased by 41% YoY and by 5% from the previous quarter

Efficiency

How efficient is PennyMac Financial Services business performance
The company's return on invested capital has shrunk by 69% YoY and by 17% QoQ
The company's return on assets has shrunk by 68% YoY and by 20% QoQ
The ROE has plunged by 64% YoY and by 16% from the previous quarter
PennyMac Financial Services's ROS has decreased by 38% YoY and by 12% from the previous quarter

Dividends

What is PFSI's dividend history
Dividend details
DPS
$0.8
Dividend yield
1.02%
Payout ratio
17.8%
Recent dividends

Financial health

How did PennyMac Financial Services financials performed over time
PennyMac Financial Services's total assets is 23% more than its total liabilities
PennyMac Financial Services's total liabilities has increased by 19% YoY and by 6% QoQ
PennyMac Financial Services's total assets has increased by 16% YoY and by 5% from the previous quarter
The debt has grown by 23% year-on-year and by 7% since the previous quarter
PFSI's debt to equity is up by 20% year-on-year and by 4% since the previous quarter

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.